Town Center Bank IL provides banking products and services to families, businesses, and organizations in Illinois. Its primary deposit products are checking, savings, and term certificate accounts and its primary lending products are residential mortgages, commercial, commercial real estate, construction, land development, and consumer loans. Other financial instruments offered by the bank include loan commitments, credit lines, letters of credit and overdraft protection.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.94
Equity-to-Asset	0.12
Debt-to-Equity	1.18
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-9.32	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.5
	3-Year EPS without NRI Growth Rate	13.3
	3-Year FCF Growth Rate	11.9
	3-Year Book Growth Rate	3.6

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	95.63
	9-Day RSI	82.97
	14-Day RSI	73.92
	6-1 Month Momentum %	6.46
	12-1 Month Momentum %	50.57

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	-23.04

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	17.58
	FCF Margin %	70.27
	ROE %	3.1
	ROA %	0.38
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	28.64
	PE Ratio without NRI	28.64
	Shiller PE Ratio	11.45
	Price-to-Owner-Earnings	8.74
	PEG Ratio	4.09
	PS Ratio	5.13
	PB Ratio	0.87
	Price-to-Tangible-Book	0.87
	Price-to-Free-Cash-Flow	7.31
	Price-to-Operating-Cash-Flow	7.06
	EV-to-Revenue	5.53
	EV-to-FCF	7.21
	Price-to-Projected-FCF	0.53
	Price-to-Peter-Lynch-Fair-Value	2.55
	Price-to-Graham-Number	1.05
	FCF Yield %	13.68
	Forward Rate of Return (Yacktman) %	16

GF Value: $1.88

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